Consumer Action Group envelope labels
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Sheet of 20 self-adhesive envelope labels
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| | | | | | | Other Institutions Successes **Existing Successful Claims Only *NO* New Threads Please** - Contact a moderator to move your thread | Welcome to The Consumer Action Group
and
The Bank Action Group
Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund.
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Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges. We strongly suggest that you register under a UserID and not your own name |  | | 
28th July 2006, 00:27
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#1 (permalink)
| | Platinum Account Customer |  Zoot v Halifax 1st Mortgage + 2nd Mortgage **WON**
Yes I was very greedy and had not 1 but 2 mortgages with the Halifax!
They are both closed now so I thought it was safe for me to pursue a claim for charges.
S.A.R - (Subject Access Request) sent 29.6.06
Received 20.7.06
Received a letter 2 days earlier stating I had to collect S.A.R - (Subject Access Request) from local branch and take id as we had changed address since redeeming. letter contained the standard comments of not having to provide detail of manual intervention (although some was included).
Statements were very difficult to follow all codes and no reasons given for the charges.
I was rather surprised in calculating the charges in my first mortgage- thought there would be loads - but only 45.00? Despite being four months in arrears at time of redemption.  Also there was loads of manual intervention- thought I'd better shelve the idea of making a claim - even thought perhaps I ought to offer them a little more... but then came to my senses 
Regarding the second mortgage charges amounted to 270. This was made up of 8 charges of 10.00, 8 of 20 and one of 30.00. Pretty surprised to see the 10.00 charges as I don't remember being charged 10.00 and also it will perhaps make it a little more tricky to claim. However, on reflection I will include them and if they query shall just ask them to prove their costs.
Will await the outcome of my other claim for redemption fees before commencing this one.
Keep you posted.
Zoot  | 
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18th October 2006, 23:58
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#15 (permalink)
| | Site Team | Re: Zoot v Halifax 1st Mortgage + 2nd Mortgage
Quote: |
Originally Posted by zootscoot Letter received today, they are going to refund in full including interests & costs.
In the usual scheme of events with Halifax administration they claim they are going to refund it to my account ... hello this was a loan which was settled in February! ... also they gave some helpful hints as to how I can avoid incurring these fees in the future and keep track of my account by phoning their advisers at anytime!
Oh well had better advise them a cheque will do nicely!
Thanks very much Halifax!
Zoot | Sounds like useful advice that a lot of us could use on this site Zoot.  NOT!!
Congratulations on your win though.
__________________ FAQs and step-by-step instructions for reclaiming Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007 Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06 Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007  Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional. | |
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19th October 2006, 01:07
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#16 (permalink)
| | Platinum Account Customer | Re: Zoot v Halifax 1st Mortgage + 2nd Mortgage **WON**
Take the high road Zoot - where's the money? | |
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